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交行有什么贷款(交行什么贷款可以还信用卡)

交通银行是中国四大商业银行之一,提供多种贷款服务。以下是交通银行的一些主要贷款产品:

个人住房抵押贷款:个人住房抵押贷款是指借款人以本人名下的住房作为抵押,向交通银行申请贷款。该贷款主要用于购买住房、改善居住条件、装修等用途。

个人汽车消费贷款:个人汽车消费贷款是指借款人以个人名义购买汽车时,向交通银行申请贷款。该贷款主要用于支付购车款、保险费、车辆维修等费用。

个人经营性贷款:个人经营性贷款是指借款人以其个人经营的实体为担保,向交通银行申请贷款。该贷款主要用于补充企业流动资金、扩大生产经营规模等用途。

企业流动资金贷款:企业流动资金贷款是指交通银行向企业发放的用于补充企业日常经营所需的短期资金需求的贷款。该贷款主要用于支付工资、采购原材料、支付税费等用途。

商业用房按揭贷款:商业用房按揭贷款是指借款人购买商业用房时,向交通银行申请的按揭贷款。该贷款主要用于支付购房款、装修费等费用。

In English:

Personal housing mortgage loan: This loan is provided for individuals who want to use their houses as collateral to apply for a loan from the Bank of Communications. The loan is mainly used for purposes such as purchasing a house, improving living conditions, and renovations.

Personal auto loan: This loan is provided for individuals who want to use their personal names to purchase a car and apply for a loan from the Bank of Communications. The loan is mainly used for purposes such as paying the car purchase price, insurance premiums, and vehicle maintenance fees.

Personal business loan: This loan is provided for individuals who use their personal businesses as guarantees to apply for a loan from the Bank of Communications. The loan is mainly used for purposes such as supplementing enterprise liquidity, expanding production and business scale, etc.

Enterprise working capital loan: This loan is provided by the Bank of Communications to enterprises to supplement their daily operational short-term capital needs. The loan is mainly used for purposes such as paying salaries, purchasing raw materials, and paying taxes and fees.

Commercial mortgage loan: This loan is provided for individuals who purchase commercial properties and apply for a mortgage loan from the Bank of Communications. The loan is mainly used for purposes such as paying the purchase price of the commercial property and renovation costs.

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